The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,639
−HK$605/mo
▼ 0.25% · 3.875%
HK$9,939
−HK$305/mo
Today · 4.125%
HK$10,244
baseline
▲ 0.50% · 4.625%
HK$10,867
+HK$623/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$20,488/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,724
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,011
−HK$292/mo
Today · 4.125%
HK$11,303
baseline
▲ 0.50% · 4.625%
HK$11,899
+HK$596/mo
Deposit HK$2.11M · loan HK$2.11M · min. income ≈ HK$22,606/mo (50% DSR)
Upfront cash ≈ HK$2.16M (deposit + AVD stamp duty HK$45,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,567
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,927
−HK$366/mo
Today · 4.125%
HK$12,293
baseline
▲ 0.50% · 4.625%
HK$13,041
+HK$748/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$24,586/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,868
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,214
−HK$350/mo
Today · 4.125%
HK$13,564
baseline
▲ 0.50% · 4.625%
HK$14,279
+HK$715/mo
Deposit HK$1.69M · loan HK$2.54M · min. income ≈ HK$27,128/mo (50% DSR)
Upfront cash ≈ HK$1.74M (deposit + AVD stamp duty HK$45,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,495
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,915
−HK$426/mo
Today · 4.125%
HK$14,341
baseline
▲ 0.50% · 4.625%
HK$15,214
+HK$873/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$28,682/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,013
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,416
−HK$408/mo
Today · 4.125%
HK$15,824
baseline
▲ 0.50% · 4.625%
HK$16,658
+HK$834/mo
Deposit HK$1.27M · loan HK$2.96M · min. income ≈ HK$31,648/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$45,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,351
−HK$1,088/mo
▼ 0.25% · 3.875%
HK$17,891
−HK$548/mo
Today · 4.125%
HK$18,439
baseline
▲ 0.50% · 4.625%
HK$19,561
+HK$1,122/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$36,878/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,303
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$19,820
−HK$526/mo
Today · 4.125%
HK$20,346
baseline
▲ 0.50% · 4.625%
HK$21,418
+HK$1,072/mo
Deposit HK$423K · loan HK$3.80M · min. income ≈ HK$40,692/mo (50% DSR)
Upfront cash ≈ HK$468K (deposit + AVD stamp duty HK$45,567 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).